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Moneta Funded
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Moneta Funded Review: Rules, Profit Split & Payouts
Moneta Funded is a forex and CFD prop firm backed by the brokerage Moneta Markets, and its help centre names David Bily as founder and CEO of both. It runs six programs on MT5 and Match-Trader: Instant Funding and Instant Funding Pro accounts with no evaluation, a 1-Step and a 2-Step challenge, the Phoenix Scaling Program and the time-based Sprint Challenge. Standard account sizes run from $5,000 to $100,000 with an 88% profit split once funded, and Instant Funding also sells a cheaper 60% split. Phoenix scales through 11 levels from $2,500 to $2,000,000, and the Sprint Challenge pays a 100% profit split if its target is hit within 1, 2, 4 or 8 hours. MT5 is not offered to US traders; Match-Trader is.
The Moneta Funded rules change with the program. The 1-Step sets a 10% profit target with a 3% daily loss and a 6% static max loss. The 2-Step needs 5% in Phase 1 and 10% in Phase 2, with a 5% daily and 10% max loss or a lower-cost 4% and 8% option. Those two and Phoenix require 3 profitable days of at least 0.5%, and nothing outside the Sprint has a time limit. Instant Funding carries a 3% daily loss, a 5% trailing drawdown and a 15% or 20% consistency rule; Instant Funding Pro allows 4% daily and 8% trailing, caps profit at 4% a day and is the only program where news trading is allowed. Everywhere else, trades may not be opened or closed 5 minutes either side of high-impact news. On funded accounts, a 2% or 3% floating loss on one symbol closes those trades and moves the account to a 1.5% risk-per-trade-idea limit that breaches if exceeded. Hedging, martingale, grid trading, HFT and copying other people's trades are prohibited.
Payouts can be requested every 14 calendar days from $100, the first one 14 days after the first trade, though Instant Funding Pro's first payout is on demand. Moneta Funded says payouts are usually processed within 24–48 business hours, in USDC or USDT or to a Moneta Markets account, after KYC. An unused challenge can be refunded within 14 calendar days, and the 1-Step and 2-Step fee comes back with the 4th payout. Commission is $4 per lot round trip on forex and metals. Prices are not published on the pages read.
Six programs: Instant Funding, Instant Funding Pro, 1-Step, 2-Step, Phoenix and Sprint
88% profit split when funded; 100% on the Sprint Challenge
Account sizes from $5,000 to $100,000; Phoenix scales to $2,000,000
1-Step: 10% target, 3% daily loss, 6% static max loss
2-Step: 5% then 10% targets, 5%/10% or 4%/8% static drawdown
No time limit on any program except the Sprint Challenge
News trading restricted on every program but Instant Funding Pro
Payouts every 14 days from $100, usually within 24–48 business hours
Is Moneta Funded legit?
Prop Firm Pal has not verified Moneta Funded, so this is not an endorsement: it is what the record shows. Its website has been active in Prop Firm Pal's monthly traffic record since December 2025, and traffic over the last three months is falling sharply. Its payout policy is published, and summarised on the Payouts tab.
Record
What we hold
In our traffic record
What we hold
Since December 2025 (9 months)
Traffic, last three months
What we hold
Falling sharply (-46% to August 2026)
Moneta Funded trading platforms
Moneta Funded challenges & plans
Plan
Type
Account size
Profit target
Daily drawdown
Max drawdown
Drawdown type
Profit split
Min trading days
Instant Funding (88% split option)
Type
instant funding
Account size
$5K
Profit target
—
Daily drawdown
3%
Max drawdown
5%
Drawdown type
trailing
Profit split
88%
Min trading days
0
Instant Funding (88% split option)
Type
instant funding
Account size
$10K
Profit target
—
Daily drawdown
3%
Max drawdown
5%
Drawdown type
trailing
Profit split
88%
Min trading days
0
Instant Funding (88% split option)
Type
instant funding
Account size
$25K
Profit target
—
Daily drawdown
3%
Max drawdown
5%
Drawdown type
trailing
Profit split
88%
Min trading days
0
Instant Funding (88% split option)
Type
instant funding
Account size
$50K
Profit target
—
Daily drawdown
3%
Max drawdown
5%
Drawdown type
trailing
Profit split
88%
Min trading days
0
Instant Funding (88% split option)
Type
instant funding
Account size
$100K
Profit target
—
Daily drawdown
3%
Max drawdown
5%
Drawdown type
trailing
Profit split
88%
Min trading days
0
Instant Funding (60% split option)
Type
instant funding
Account size
$5K
Profit target
—
Daily drawdown
3%
Max drawdown
5%
Drawdown type
trailing
Profit split
60%
Min trading days
0
Instant Funding (60% split option)
Type
instant funding
Account size
$10K
Profit target
—
Daily drawdown
3%
Max drawdown
5%
Drawdown type
trailing
Profit split
60%
Min trading days
0
Instant Funding (60% split option)
Type
instant funding
Account size
$25K
Profit target
—
Daily drawdown
3%
Max drawdown
5%
Drawdown type
trailing
Profit split
60%
Min trading days
0
Instant Funding (60% split option)
Type
instant funding
Account size
$50K
Profit target
—
Daily drawdown
3%
Max drawdown
5%
Drawdown type
trailing
Profit split
60%
Min trading days
0
Instant Funding (60% split option)
Type
instant funding
Account size
$100K
Profit target
—
Daily drawdown
3%
Max drawdown
5%
Drawdown type
trailing
Profit split
60%
Min trading days
0
Instant Funding Pro
Type
instant funding
Account size
$5K
Profit target
—
Daily drawdown
4%
Max drawdown
8%
Drawdown type
trailing
Profit split
88%
Min trading days
0
Instant Funding Pro
Type
instant funding
Account size
$10K
Profit target
—
Daily drawdown
4%
Max drawdown
8%
Drawdown type
trailing
Profit split
88%
Min trading days
0
Instant Funding Pro
Type
instant funding
Account size
$25K
Profit target
—
Daily drawdown
4%
Max drawdown
8%
Drawdown type
trailing
Profit split
88%
Min trading days
0
Instant Funding Pro
Type
instant funding
Account size
$50K
Profit target
—
Daily drawdown
4%
Max drawdown
8%
Drawdown type
trailing
Profit split
88%
Min trading days
0
Instant Funding Pro
Type
instant funding
Account size
$100K
Profit target
—
Daily drawdown
4%
Max drawdown
8%
Drawdown type
trailing
Profit split
88%
Min trading days
0
1-Step Challenge
Type
1-step
Account size
$5K
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
static
Profit split
88%
Min trading days
3
1-Step Challenge
Type
1-step
Account size
$10K
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
static
Profit split
88%
Min trading days
3
1-Step Challenge
Type
1-step
Account size
$25K
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
static
Profit split
88%
Min trading days
3
1-Step Challenge
Type
1-step
Account size
$50K
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
static
Profit split
88%
Min trading days
3
1-Step Challenge
Type
1-step
Account size
$100K
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
static
Profit split
88%
Min trading days
3
2-Step Challenge (Standard 5% / 10%)
Type
2-step
Account size
$5K
Profit target
5%
Daily drawdown
5%
Max drawdown
10%
Drawdown type
static
Profit split
88%
Min trading days
3
2-Step Challenge (Standard 5% / 10%)
Type
2-step
Account size
$10K
Profit target
5%
Daily drawdown
5%
Max drawdown
10%
Drawdown type
static
Profit split
88%
Min trading days
3
2-Step Challenge (Standard 5% / 10%)
Type
2-step
Account size
$25K
Profit target
5%
Daily drawdown
5%
Max drawdown
10%
Drawdown type
static
Profit split
88%
Min trading days
3
2-Step Challenge (Standard 5% / 10%)
Type
2-step
Account size
$50K
Profit target
5%
Daily drawdown
5%
Max drawdown
10%
Drawdown type
static
Profit split
88%
Min trading days
3
2-Step Challenge (Standard 5% / 10%)
Type
2-step
Account size
$100K
Profit target
5%
Daily drawdown
5%
Max drawdown
10%
Drawdown type
static
Profit split
88%
Min trading days
3
2-Step Challenge (lower-cost 4% / 8%)
Type
2-step
Account size
$5K
Profit target
5%
Daily drawdown
4%
Max drawdown
8%
Drawdown type
static
Profit split
88%
Min trading days
3
2-Step Challenge (lower-cost 4% / 8%)
Type
2-step
Account size
$10K
Profit target
5%
Daily drawdown
4%
Max drawdown
8%
Drawdown type
static
Profit split
88%
Min trading days
3
2-Step Challenge (lower-cost 4% / 8%)
Type
2-step
Account size
$25K
Profit target
5%
Daily drawdown
4%
Max drawdown
8%
Drawdown type
static
Profit split
88%
Min trading days
3
2-Step Challenge (lower-cost 4% / 8%)
Type
2-step
Account size
$50K
Profit target
5%
Daily drawdown
4%
Max drawdown
8%
Drawdown type
static
Profit split
88%
Min trading days
3
2-Step Challenge (lower-cost 4% / 8%)
Type
2-step
Account size
$100K
Profit target
5%
Daily drawdown
4%
Max drawdown
8%
Drawdown type
static
Profit split
88%
Min trading days
3
Phoenix Scaling Program (Level 1)
Type
scaling
Account size
$2.5K
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
static
Profit split
88%
Min trading days
3
Phoenix Scaling Program (Level 2)
Type
scaling
Account size
$5K
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
static
Profit split
88%
Min trading days
3
Phoenix Scaling Program (Level 3)
Type
scaling
Account size
$10K
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
static
Profit split
88%
Min trading days
3
Phoenix Scaling Program (Level 4)
Type
scaling
Account size
$20K
Profit target
10%
Daily drawdown
3%
Max drawdown
6%
Drawdown type
static
Profit split
88%
Min trading days
3
Sprint Challenge
Type
time-based
Account size
$10K
Profit target
—
Daily drawdown
—
Max drawdown
—
Drawdown type
—
Profit split
100%
Min trading days
—
Sprint Challenge
Type
time-based
Account size
$25K
Profit target
—
Daily drawdown
—
Max drawdown
—
Drawdown type
—
Profit split
100%
Min trading days
—
Sprint Challenge
Type
time-based
Account size
$50K
Profit target
—
Daily drawdown
—
Max drawdown
—
Drawdown type
—
Profit split
100%
Min trading days
—
Sprint Challenge
Type
time-based
Account size
$100K
Profit target
—
Daily drawdown
—
Max drawdown
—
Drawdown type
—
Profit split
100%
Min trading days
—
Moneta Funded trading rules
Rule
Stance
Condition
News trading
Stance
Conditional
Condition
On 1-Step, 2-Step, Instant Funding, Phoenix and Sprint, in challenge and funded phases, no opening or closing trades from 5 minutes before to 5 minutes after red-folder news (trades opened at least 2 hours earlier may close); fully allowed on Instant Funding Pro
Expert advisors and automated trading
Stance
Conditional
Condition
Only a custom EA developed and owned by the trader, or a copier between the trader's own accounts; third-party and commercial EAs and signal services are prohibited, the same article bans automated systems that trade without discretionary decision-making, and EAs are not allowed on the Sprint Challenge
Copy trading
Stance
Conditional
Condition
Only between Moneta Funded accounts registered to the same person; copying from another prop firm, a personal brokerage account, a signal provider or another person is prohibited
Hedging
Stance
Conditional
Condition
Prohibited on the standard programs covered by the prohibited-methods article; not among the Sprint Challenge's listed restrictions
Martingale and grid strategies
Stance
Conditional
Condition
Martingale and grid trading are prohibited on the standard programs; occasional modest averaging is acceptable while risk stays controlled; not among the Sprint Challenge's listed restrictions
High-frequency and latency arbitrage
Stance
Conditional
Condition
Scalping is allowed; high-frequency trading, order spamming and latency arbitrage are prohibited on the standard programs
Consistency rule
Stance
Applies
Condition
15% or 20% of total profit per day (chosen at purchase) on Instant Funding only, reset after each payout; none on Instant Funding Pro, 1-Step, 2-Step or Phoenix
Weekend holding
Stance
Conditional
Condition
Allowed except where a program restricts it; the Sprint Challenge bans gap trading and trading at market open and close
Overnight holding
Stance
Conditional
Condition
Allowed except where a program restricts it; the Sprint Challenge bans trading within 5 minutes of market opens, closes and the 10 PM UTC rollover
Minimum trading days
Stance
Applies
Condition
3 profitable days of at least 0.5% on the 1-Step, each 2-Step phase and Phoenix; no minimum on Instant Funding or Instant Funding Pro
Time limit
Stance
Applies
Condition
Unlimited on Instant Funding, Instant Funding Pro, 1-Step, 2-Step and Phoenix; the Sprint Challenge runs 1, 2, 4 or 8 hours from the first trade
Maximum number of accounts
Stance
Applies
Condition
Unlimited challenge accounts; funded capital capped at $100,000 per program (Instant Funding, Instant Funding Pro, 1-Step, 2-Step), $2,000,000 on Phoenix and $2.4 million in total; one active Sprint Challenge at a time
Account sharing
Stance
Not permitted
Condition
—
Trades may not be opened or closed from 5 minutes before to 5 minutes after high-impact news on any program except Instant Funding Pro, where news trading is fully allowed; a trade opened at least 2 hours earlier may close in the window.
EAs are allowed only if the trader built and owns them or they copy between the trader's own accounts; commercial and third-party EAs and signal services are banned, and EAs are not allowed on the Sprint Challenge.
Copy trading is allowed only between Moneta Funded accounts registered to the same person, never from another prop firm, a broker account, a signal provider or someone else.
Hedging is prohibited on the standard programs.
Martingale and grid trading are prohibited on the standard programs, though occasional modest averaging is acceptable while risk stays controlled.
Scalping is permitted, but high-frequency trading, order spamming and latency arbitrage are prohibited on the standard programs.
Instant Funding has a 15% or 20% consistency rule chosen at purchase, reset after each payout; the other programs have none.
Positions may be held overnight and over the weekend, except for the Sprint Challenge's bans on gap trading and trading near market opens and closes.
The 1-Step, each 2-Step phase and Phoenix need 3 profitable days of at least 0.5% of the account size; the two instant accounts have no minimum.
Only the Sprint Challenge has a time limit, of 1, 2, 4 or 8 hours.
Challenge accounts are unlimited, but funded capital is capped at $100,000 per program, $2,000,000 on Phoenix and $2.4 million in total, with one active Sprint Challenge at a time.
Accounts may not be shared or transferred to another owner.
On funded accounts, a floating loss of 2% (3% on the Standard 2-Step and Instant Funding Pro) on one symbol closes those trades and moves the account to a strict 1.5% risk-per-trade-idea limit.
Instant Funding Pro caps profit at 4% of the starting balance per day; trades close automatically when it is reached and profit above it is not counted.
Daily loss is measured on equity against a level set at 10 PM UTC from the higher of balance or equity.
Moneta Funded payout rules
Payout
Detail
Profit split
Detail
Up to 88%
Payout frequency
Detail
Every 14 calendar days, the first 14 days after the first trade; Instant Funding Pro's first payout is on demand
Processing time
Detail
Usually within 24–48 business hours, excluding weekends and international public holidays
Minimum payout
Detail
$100
Payout methods
Moneta Funded account policies
Policy
Detail
Refund policy
Detail
Refund within 14 calendar days of purchase only if no trade has been placed; the 1-Step and 2-Step challenge fee is also refunded with the 4th payout
Scaling plan
Detail
Phoenix Scaling Program: 11 levels from $2,500 to $2,000,000; reaching a 10% profit target moves the account up a level and converts that profit into withdrawable credit
KYC
Detail
Required before a funded account is issued or any payout: government-issued photo ID and a live selfie, verified by Sumsub; VPN and VPS use during KYC is prohibited
Support
Detail
24/7
Moneta Funded fees
Fee
Amount
Applies to
Trading commission
Amount
$4 per lot, per round trip
Applies to
Forex and metals; no commission on indices, oil or crypto
Moneta Funded restricted countries
Moneta Funded web traffic, month by month
Prop Firm Pal has tracked Moneta Funded's website traffic every month since December 2025. In August 2026 the site received an estimated 156.84K visits, down 38% on the month before and down 46% over three months.
Its busiest month on record was May 2026 at roughly 289.03K visits. Traffic now is 46% below that peak.
A fall of this size over a quarter is the pattern that most often precedes a firm winding down, though it is not proof of it on its own — marketing spend, seasonality and a single lost traffic source all produce the same shape. It is worth weighing before paying for an evaluation.
These are third-party estimates of website visits, collected once a month and stored against the month they describe. They are not trader counts, funded-account numbers or revenue.
Month
Estimated visits
Change
December 2025
Estimated visits
151
Change
—
January 2026
Estimated visits
3.24K
Change
+2046%
February 2026
Estimated visits
18.97K
Change
+485%
March 2026
Estimated visits
180.42K
Change
+851%
April 2026
Estimated visits
122.48K
Change
-32%
May 2026
Estimated visits
289.03K
Change
+136%
June 2026
Estimated visits
216.44K
Change
-25%
July 2026
Estimated visits
252.88K
Change
+17%
August 2026
Estimated visits
156.84K
Change
-38%
How Moneta Funded compares in size
Measured on estimated monthly website visits for August 2026, Moneta Funded ranks 79 of the 477 prop firms Prop Firm Pal tracks — larger than 83% of them, at roughly 156.84K visits a month.
The ranking covers every firm measured between June 2026 and August 2026, each on its own latest reading in that window. Firms last measured before June 2026 are left out rather than shown with a stale figure, so the total moves month to month.
Size is not quality. A large firm is one that markets successfully, and several of the most visited firms in this ranking have the strictest rules; some of the smallest pay out reliably to everyone who asks. What the ranking is useful for is scale — whether you are looking at an established operation or something very new.
Similar-sized firm
Monthly visits
Monthly visits
169.71K
Monthly visits
159.97K
Monthly visits
152.70K
Monthly visits
139.54K
FAQs
What is Moneta Funded's profit split?
Funded accounts on the 1-Step, 2-Step, Phoenix and Instant Funding Pro programs pay an 88% profit split. Instant Funding lets you choose 60% or 88% at purchase, and the Sprint Challenge pays 100% when its target is reached.
Does Moneta Funded offer instant funding?
Yes, two versions. Instant Funding has no profit target, a 3% daily loss, a 5% trailing drawdown and a consistency rule, while Instant Funding Pro has 4% daily, 8% trailing, a 4% daily profit cap and allows news trading; both come in sizes from $5,000 to $100,000.
What are the Moneta Funded challenge rules?
The 1-Step challenge needs a 10% profit target within a 3% daily and 6% static max loss. The 2-Step needs 5% then 10%, with either 5% daily and 10% max or 4% and 8%, and both require 3 profitable days of at least 0.5% with no time limit.
Does Moneta Funded have trailing drawdown?
Only on the instant accounts. Instant Funding trails 5% and Instant Funding Pro 8%, and the level stops trailing once it reaches the starting balance; the 1-Step, 2-Step and Phoenix use static drawdown.
Does Moneta Funded have a consistency rule?
Only on Instant Funding, where no more than 15% or 20% of total profit, depending on the option bought, may come from a single day. It resets after each payout, and Instant Funding Pro, 1-Step, 2-Step and Phoenix have none.
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